The Chausson Titanium, a popular motorhome model, was commonly sold on Personal Contract Purchase (PCP) and Hire Purchase (HP) finance agreements from 6 April 2007 to 1 November 2024. During this period, many consumers took out these agreements without fully understanding the potential mis-selling issues that arose due to discretionary commission arrangements between vehicle manufacturers and lenders.
How the Chausson Titanium was Typically Financed
The Chausson Titanium motorhome is a high-end model typically financed through Personal Contract Purchase (PCP) or Hire Purchase (HP) agreements. Finance amounts for this model range from £40,000 to £80,000, with typical PCP terms lasting between 48 and 120 months. Common lenders that provided finance for Chausson Titaniums include Black Horse, Close Brothers Motor Finance, Lombard, and Billing Finance.
PCP agreements often involve a balloon payment at the end of the term, which can be significant given the high value of motorhomes like the Chausson Titanium. This balloon payment represents the residual value of the vehicle after the financing period ends and is a critical factor in determining the overall cost of ownership.
The FCA Motor Finance Investigation
The Financial Conduct Authority (FCA) launched an investigation into discretionary commission arrangements that occurred between vehicle manufacturers, including those offering the Chausson Titanium, and finance providers. These arrangements may have led to lenders offering higher interest rates than necessary, resulting in overcharging customers by £829 on average (FCA estimate).
The FCA’s investigation found that 12.1 million eligible agreements (FCA, March 2026) by these discretionary commission arrangements across various vehicle types, including motorhomes like the Chausson Titanium. The total mis-selling amounted to an estimated £7.5 billion (FCA, March 2026), highlighting the widespread impact of this issue on consumers.
How to Check Your Agreement One key term to watch out for is "Discretionary Commission Arrangement" (DCA), which may have influenced the terms of your financing.
Relevant dates to consider are from 6 April 2007 to 1 November 2024, as these are the periods during which the FCA identified potential mis-selling issues. If you entered into a finance agreement for your Chausson Titanium within this timeframe and suspect that it may be affected by DCAs, reviewing your contract thoroughly is crucial.
If you believe your Chausson Titanium’s finance agreement has been mis-sold due to discretionary commission arrangements, you can complain directly to your lender without incurring any fees. Common lenders that provided finance for the Chausson Titanium include Black Horse, Close Brothers Motor Finance, Lombard, and Billing Finance.
When lodging a complaint, gather all relevant documentation such as loan agreements, payment receipts, and any correspondence with your lender. Provide detailed evidence of how you believe your agreement was mis-sold or how it affected your financial position. You do not need to engage the services of a claims management company; complaining directly is both free and straightforward.
Towed caravans are NOT covered by the FCA motor finance scheme. Only self-propelled motorhomes with their own engine and drivetrain, such as the Chausson Titanium, are in scope for the FCA investigation.
Sources and References
- Financial Conduct Authority (FCA). "Estimates of Mis-selling Impact." 2024.
- Financial Ombudsman Service (FOS), Various Reports and Guidance.